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The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 states that people who plan to file for bankruptcy protection are now required to receive counseling from an agency that is government approved within a six month period before filing.

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There are no companies we found that are better or worse, rate wise, when it comes to teen drivers, but larger, direct sale companies like Esurance and GEICO might possibly be new driver friendlier. In addition, virtually all companies offer good student discounts, which can provide an additional incentive for a new driver to hit the books. A large part of an insurance premium depends on the type of car you drive. Is it a Corvette?Lamborghini?Maybe a Ferrari?Or perhaps you drive a Chevy Volt?Each car will impact the base cost of your monthly insurance mainly for the replacement value of the vehicle. In fact, some states and auto insurance companies will not cover certain vehicles. Also, high theft risk cars cost more to cover as well.


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If you have been ticketed for not wearing a seatbelt, it’s quite possible that you’ll have to pay more to insure your vehicle. Insurance providers know that seatbelts prevent serious injuries, so those who choose not to wear them are considered a higher risk. Saving on your auto insurance is just one more reason to buckle up. Your personal auto policy only covers personal driving, whether you’re commuting to work, running errands or taking a trip. Your personal auto policy, however, will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas or operate a delivery service. Note, too, that personal auto insurance will generally not provide coverage if you use your car to provide transportation to others through a ride sharing service such as Uber or Lyft. Some auto insurers, however, are now offering supplemental insurance products at additional cost that extend coverage for vehicle owners providing ride sharing services. This "How To" article is crucial, up to date information concerning what to do if your insurance company is giving you a hard time regarding your own motor vehicle accident claim with them and you're positive it's "Legit". If there's some problems with whatever position they've taken regarding your Property Damage Loss or any other coverage questions they may be ducking/stalling/ignoring and/or disputing you don't have to sit back and take it!You DO have options to settle your dispute and you should proceed as follows:1. FIRST, LET YOUR AGENT KNOW YOU'RE UNHAPPY: Ask them to go to bat for you. If they sit on their butt afraid or "too busy" to get "involved" with your "problem" find out the name and phone number or your insurance companies nearest Claims Department.